(Benton, KY)-Community Financial Services Bank (CFSB) recently promoted Executive Vice President/Compliance Officer J. Michael Radcliffe to Chief Risk Officer. The promotion was unanimously approved by CFSB President/CEO Betsy Flynn and the Community Financial Services Board of Directors. This move continues the organization’s quest to ensure customer service and secure the future of CFSB.
Radcliffe oversees the bank’s regulatory compliance program as well as loan review and credit analysis. He has been in banking since 1988 and has worked as a teller, bookkeeper, trust assistant, credit analyst and credit department manager. He has been with CFSB since December 2002 and assumed the role of compliance officer in 2005.
Michael holds a B.S. in Finance from Murray State University. He continued his banking education, graduating Cum Laude from the Paul W. Barret School of Banking in Memphis, Tennessee. He also received a diploma from the Graduate School of Banking at the University of Wisconsin – Madison. He is active with ICBA’s Regulatory Outreach Committee and is often called on by ICBA for magazine articles or input with regulators. They too recognize his expertise.
Michael and his wife Leslie have been married for 24 years and live in the Draffenville community. They have three children, Ryan Fagan, Cailey Radcliffe and Jarrett Radcliffe, and are members at First Missionary Baptist Church of Benton. In his spare time, Michael is a fantasy writer, and has published four novels and fifteen short stories. He also enjoys gardening and loves traveling with his family.